*Legal Disclaimer: Services in Singapore are provided by Western Union Business Solutions (Singapore) Pte Ltd ("WUBS Singapore") and/or WUBS Financial Services (Singapore) Pte Ltd ("WUBS FS Singapore") (collectively referred to as "WUBS"). WUBS FS Singapore is a capital markets services licence holder for leveraged foreign exchange trading. WUBS Singapore is a remittance licence holder. All payment and remittance services referred to in this communication are offered under WUBS Singapore’s Remittance License issued by the Monetary Authority of Singapore. WUBS Singapore’s service does not include any service under the Payment Systems (Oversight) Act 2006. The information contained herein does not constitute an invitation or inducement to engage in services provided by WUBS.

Western Union Business Solutions is a business unit of The Western Union Company. Depending on the nature and scope of the services, services in Singapore are provided by Western Union Business Solutions (Singapore) Pte Ltd and/or WUBS Financial Services (Singapore) Pte Ltd.

* Transaction fee-free EDGE Network Payment services are available between fully accredited WUBS customers that have registered to use the WU® EDGE platform and are authorised by a WUBS affiliate to access services in USA, Canada, United Kingdom, France, Italy, Austria, Germany, Poland, Czech Republic, Singapore, Hong Kong, Australia and New Zealand. WUBS will apply a foreign currency exchange rate, which includes a margin set by WUBS, whenever a transaction includes a currency conversion. Transaction fees may also apply to transactions other than EDGE Network Payment services.

**WUBS holding balance facility enables you to temporarily hold amounts that you have acquired to make or receive a payment for up to 90 days. Amounts held in a holding balance do not earn interest.